Koem K. is an older man who appears on the photo. He is skilled at building wooden houses and currently uses his knowledge to earn money. He has a few employees to help him. Koem K. has four children; three of them work in various jobs and one is still a student in the local school. Koem K. has a life partner in his wife who is a rattan cupboard maker.
Koem K. is concerned because he faces difficulty in traveling to his work. He always travels by motor taxi because he doesn’t have his own vehicle. To solve the problem, Koem K. has requested a loan to be used to buy a new motorcycle. With the remaining cash, he will support his wife's business to buy wood for making beds.
Hattha Kaksekar Limited is one of the largest and most successful microfinance institutions (MFIs) in Cambodia. The organization provides microfinance services to the poor, particularly women, in urban and rural areas. Kiva lenders’ funds will be used to expand the outreach of HKL’s financial services to a greater number of clients in rural areas of Cambodia.